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DCU Visa Platinum® Secured Credit Card

in Personal Credit Cards from Digital Federal Credit Union

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DCU Visa Platinum® Secured Credit Card

Unaffiliated

in Personal Credit Cards from Digital Federal Credit Union

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Strongly recommended

1 user recommends
0 users are unsure
0 users don't recommend
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Highlights
Highlights
Community Rating Strongly recommended
Purchase APR Starting at 13%
Balance Transfer APR Starting at 13%
Annual Fee $0
Credit Score Range 300 - 640

Overview

Who is this credit card designed for?

DCU Visa Platinum® Secured Credit Card is a secured credit card credit card issued by Digital Federal Credit Union, which is based in Marlborough, MA.  Secured cards are a type of credit card that is backed by a secured payment, which is used as collateral. These cards are often used by borrowers with poor credit or little credit history to help build their credit.

DCU Visa Platinum® Secured Credit Card is designed for people with a credit score of 300 to 640. It's perfect for consumers looking for a card without an annual fee. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR. Digital Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

What are the relevant APRs?

DCU Visa Platinum® Secured Credit Card has a variable purchase APR starting at 13%.

The card has a variable balance transfer APR starting at 13%.

It also has a variable cash advance APR starting at 13%.

Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Is an introductory APR offer available?

No, DCU Visa Platinum® Secured Credit Card does not come with an introductory APR offer for balance transfers.

DCU Visa Platinum® Secured Credit Card does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to DCU Visa Platinum® Secured Credit Card:

  • There is no annual fee.
  • A late payment penalty of up to $35.
  • A returned payment fee of up to .
  • There is no overlimit fee
  • There are no foreign transaction fees.

Is a rewards program offered?

No, DCU Visa Platinum® Secured Credit Card does not offer a rewards program.

Is a signup bonus offered?

DCU Visa Platinum® Secured Credit Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

DCU Visa Platinum® Secured Credit Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 DCU Visa Platinum® Secured Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • ID Theft Protection
  • Reports to major credit bureaus
  • Does DCU Visa Platinum® Secured Credit Card report your account activity to credit bureaus?

    DCU Visa Platinum® Secured Credit Card reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian

    Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Returned Payment Fee $0
    Grace Period for Late Payment (Days) 25
    Over-Limit Fee $0
    Minimum Interest Charge $0
    Annual Fee $0
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    Late Fee Amount $35
    Minimum Age 18
    Co-signing Allowed  
    Credit Score Range 300 - 640
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Customer Type Personal
    Car Rental Insurance  
    Extended Warranty  
    Travel Insurance  
    Lost Luggage Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Extended Warranty Protection
    • Fraud Liability
    • Identity Theft Protection
    • Travel Accident Insurance
    Purchase APR (Variable APR) Starting at 13%
    Cash Advance APR (Variable APR) Starting at 13%
    Balance Computation average daily balance (including new purchases)
    Penalty APR 18%
    Balance Transfer APR (Variable APR) Starting at 13%

    Reviews

     
     

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